PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

First Federal Savings and Loan Association of Central Illinois, S.B.

Shelbyville, IL · Cert 29645

SI · FDIC · 4 branches

Q2 2026

$235.0MAssets
$168.1MLoans
$201.5MDeposits
$25.9MEquity
Loan mix
82%RE $133.4M11%C&I $17.9M7%Consumer $11.2MQ2 2025Q2 2026
Deposit mix
90%Interest-bearing $180.6M10%Noninterest $21.0MQ2 2025Q2 2026

NIM

5.49%Q2 ’245.69%Q2 ’255.80%Q2 ’26+4%+7%

Non-interest income vs. expense

2.92%Q2 ’243.08%Q2 ’253.31%Q2 ’26-3%+39%

Executive Summary

  • Earnings: ROA of 0.96%, down 28 bps year over year; NIM at 3.98%.
  • Asset quality: problem loans at 0.70% of loans (+23 bps YoY), with net charge-offs at 0.06%.
  • Capital: tier 1 leverage ratio of 10.73%, up 1 bps from a year ago.
  • Funding: loans stand at 83.38% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.96%-28 bps YoY

Net Interest Margin (YTD, annualized)

3.98%+25 bps YoY

Efficiency Ratio (YTD, annualized)

69.73%+797 bps YoY

Tier 1 Leverage Ratio

10.73%+1 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.24%1.08%1.14%1.38%0.96%-28 bps
Return on Equity11.93%10.26%10.69%12.41%8.67%-326 bps
Net Interest Margin3.73%3.82%3.88%4.07%3.98%+25 bps
Efficiency Ratio61.76%62.75%63.82%61.34%69.73%+797 bps
Non-Interest Burden1.87%1.98%2.07%2.02%2.60%+73 bps
Growth
Asset Growth (YoY)4.22%8.71%5.75%5.42%10.86%+663 bps
Loan Growth (YoY)3.39%10.77%11.03%11.98%9.90%+651 bps
Deposit Growth (YoY)4.23%8.19%3.07%5.02%11.83%+760 bps
Asset Quality
Nonperforming Loans / Loans0.48%0.44%0.59%0.85%0.70%+23 bps
Net Charge-Offs / Loans0.02%0.01%0.01%0.00%0.06%+4 bps
Allowance / Loans1.23%1.20%1.17%1.20%1.19%-4 bps
Allowance Coverage of NPLs2.6x2.7x2.0x1.4x1.7x-0.9x
Capital
Tier 1 Leverage Ratio10.72%10.74%10.89%11.09%10.73%+1 bps
Total Risk-Based Capital14.98%14.60%14.73%15.23%15.16%+18 bps
Equity / Assets10.85%10.81%11.05%11.20%11.02%+17 bps
Liquidity & Funding
Loans / Deposits84.84%85.76%86.94%84.78%83.38%-146 bps
Liquid Assets / Assets2.65%5.42%5.72%7.09%4.72%+207 bps
CRE / Total Capitaln/a283%282%264%n/an/a